Compare 2014 Ford Fiesta Insurance Quotes

Shoppers have lots of choices when shopping for low-cost Ford Fiesta insurance. They can either waste time driving around to compare prices or save time using the internet to compare rates.

There is a better way to buy auto insurance and we’ll show you the absolute fastest way to quote coverages on a Ford and locate the best price possible from local insurance agents and online providers.

How to lower your car insurance cost

There are a variety of methods you can shop for car insurance and some are less time-consuming than others. You can spend your afternoon talking to insurance companies in your area, or you can utilize the web to get rate comparisons in just a few minutes.

Most of the larger companies belong to an insurance system that enables customers to enter their coverage request one time, and each company then returns a price quote based on that information. This saves time by eliminating repetitive form submissions to each individual car insurance company.

To fill out one form to compare multiple rates now click here to open in new window.

The one disadvantage to pricing coverage this way is you cannot specify the companies to get quotes from. So if you prefer to pick specific providers to compare, we have assembled a list of car insurance companies in your area. Click here to view list.

It doesn’t matter which method you choose, just do your best to use the exact same information for each price quote. If you use different data it will be very difficult to make a fair rate comparison.

Start a Quote Now

These discounts can lower your auto insurance rates

Some insurance providers don’t necessarily list all possible discounts very clearly, so the list below contains a few of the more well known and the more hidden discounts that may be available. If you don’t get every credit you deserve, you are paying more than you should be.

Driver Safety – Successfully completing a course that instructs on driving safety is a good idea and can lower rates and make you a better driver.
Fewer Miles Equal More Savings – Keeping the miles down on your Ford can qualify you for discounted rates on garaged vehicles.
One Accident Forgiven – Not a discount per se, but a few companies such as Progressive, Allstate, and GEICO will forgive one accident before they charge you more for coverage if your claims history is clear prior to being involved in the accident.
Renewal Discounts – A few auto insurance companies offer discounts for signing up before your current expiration date. The savings is around 10%.
Anti-lock Brakes – Vehicles with ABS and/or traction control can reduce accidents and will save you 10% or more.
Seat Belt Usage – Buckling up and requiring all passengers to fasten their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
Distant Student – Any of your kids living away from home attending college and won’t have access to an insured vehicle may be insured at a cheaper rate.

While discounts sound great, it’s important to understand that most credits do not apply the the whole policy. Most only apply to individual premiums such as liability and collision coverage. So even though it sounds like it’s possible to get free car insurance, nobody gets a free ride. Any qualifying discounts will help lower your policy cost.

The best auto insurance companies and a summarized list of policyholder discounts are included below.

State Farm offers premium reductions for good driver, multiple policy, safe vehicle, driver’s education, anti-theft, accident-free, and good student.
Liberty Mutual discounts include newly married, new graduate, teen driver discount, good student, hybrid vehicle, exclusive group savings, and safety features.
American Family includes discounts for early bird, accident-free, mySafetyValet, multi-vehicle, good student, and Steer into Savings.
Progressive offers discounts for multi-policy, online signing, homeowner, online quote discount, good student, continuous coverage, and multi-vehicle.
Farmers Insurance offers discounts including distant student, teen driver, business and professional, good student, multi-car, and early shopping.
Auto-Owners Insurance may include discounts for multi-policy, paperless, safe vehicle, paid in full, and multiple vehicles.
SAFECO has savings for drive less, multi-car, anti-theft, anti-lock brakes, and teen safety rewards.

It’s a good idea to ask each insurance company how you can save money. Some discounts may not be available in every state.

Different people need different insurance coverages

When buying the best insurance coverage, there really is no “best” method to buy coverage. Every situation is different.

Here are some questions about coverages that can help discover if you could use an agent’s help.

How do I file an SR-22 for a DUI in my state?
Does coverage extend to a rental car in a foreign country?
Do I pay less if my vehicle is kept in my garage?
Should I sign the liability waiver when renting a car?
Is my custom paint covered by insurance?
Should I rate my 2014 Ford Fiesta as pleasure use or commute?
Do I need special endorsements for business use of my vehicle?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and may give you better protection.

Informed consumers can cut insurance costs

A large part of saving on insurance coverage is knowing some of the factors that are used to determine your policy premiums. If you have a feel for what impacts premium levels, this allows you to make good choices that could result in big savings.

A good credit score can save money – Having a bad credit rating factor in your rate calculation. Consumers who have very good credit scores tend to be less risk to insure than those with lower credit scores. So if your credit is lower than you’d like, you could potentially save money when insuring your 2014 Ford Fiesta by improving your credit score.
Don’t skimp on liability insurance – The liability section of your policy kicks in if a court rules you are at fault for an accident. This coverage provides legal defense to defend your case. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
Advanced theft deterrents – Driving a car that has a built-in theft deterrent system can help bring down rates. Anti-theft devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop your car from being stolen.
Avoid unnecessary incidental coverages – There are a ton of additional coverages that may not really be needed on your Fiesta policy. Add-on coverages like vanishing deductibles, high-cost glass coverage, and extra equipment coverage could be just wasting money. The coverages may be enticing at first, but if you have no use for them remove them from your policy.

Is there deception in advertising?

Drivers can’t get away from all the ads that claim the cheapest car insurance rates from the likes of State Farm, GEICO and Progressive. They all seem to advertise the message that you can save if you get a free car insurance quote and switch to them.

How do they all sell you cheaper insurance coverage? It’s all in how they say it.

Insurance providers have specific characteristics for a prospective insured that earns them the highest profit. A good example of this type of risk profile might be described as between the ages of 30 and 45, owns a home, and drives less than 7,500 miles a year. A customer that hits that “sweet spot” is entitled to the best price and as a result will probably cut their rates substantially.

People who fall outside the “perfect” profile will see higher rates and this results in the customer buying from a different company. If you pay close attention to the ads, they say “customers who switch” but not “all drivers who get quotes” will save that much if they switch. That’s the way insurance companies can confidently lure you into getting a quote.

Because every company is different, you need to get car insurance quotes from several different companies. You cannot predict with any certainty which company will have better premium rates than you’re paying now.

Car insurance coverage specifics

Learning about specific coverages of car insurance can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Collision coverage

This pays for damage to your Fiesta caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like scraping a guard rail, hitting a mailbox, crashing into a building and rolling your car. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Ford Fiesta.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Usually the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hail damage, vandalism, fire damage, falling objects and a broken windshield. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability car insurance

This coverage provides protection from injuries or damage you cause to other’s property or people. This insurance protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as emergency aid, pain and suffering, repair bills for other people’s vehicles, medical services and attorney fees. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like EMT expenses, chiropractic care and ambulance fees. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Don’t break the bank

You just learned a lot of techniques to lower your 2014 Ford Fiesta insurance premium rates. The key concept to understand is the more price quotes you have, the better your chances of lowering your prices. You may even discover the best price on car insurance is with a smaller regional carrier.

Insureds who switch companies do it for many reasons like unfair underwriting practices, delays in paying claims, high rates after DUI convictions or even being labeled a high risk driver. Whatever your reason, finding a new company is easier than you think.

Affordable 2014 Ford Fiesta insurance can be bought from both online companies as well as from insurance agents, and you need to comparison shop both to get a complete price analysis. A few companies may not have the ability to get quotes online and these regional insurance providers prefer to sell through independent insurance agencies.

Even more information is located in these articles: